Group Life

Group Life Insurance (Death in Service)

Group Life Insurance: Provides employees with peace of mind and a tax-free lump sum to their loved ones in the event of their untimely death. There’s also access at no cost to a range of practical, everyday employee support services and integrated EAP via our Help@hand app, as well as Cancer Assist.

Provided by cancer support experts Reframe, Cancer Assist offers Group Life policyholders in-the-moment guidance from an experienced team of client navigators who can help at any stage of the cancer journey.

And through our partnership with Paradigm, we offer enhanced non-medical limits of up to £600,000 and 3-year rate guarantees, as well as access to our Registered and Excepted Master Trusts.

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Practical, everyday employee support – Help@hand at no additional cost for all Unum Group Life policyholders

Highly valued health and wellbeing support, including:

• Unlimited mental health consultations¹
• Medical appointments — unlimited 24/7 remote GP appointments, physiotherapy and medical second opinions
• 360 Wellbeing Score — four short assessments to get key insights into employees’ wellbeing and unlock 1-2-1 lifestyle coaching
• A fully integrated Employee Assistance Programme (EAP) with a 24/7 helpline for support on emotional and practical issues
• Financial and legal guidance 
• Everyday savings and discounts²
• On-demand wellbeing content and resources

1 This service is suitable for mild to moderate issues. The number of sessions provided will be subject to clinical appropriateness. Should the service no longer be appropriate, you will be directed to alternative support.
2 Provided by BenefitHub. BenefitHub Ltd is registered in England & Wales under company number 11109677 and has its registered office at 2nd Floor Regis House, 45 King William Street, London, United Kingdom, EC4R 9AN.

Access to these services is facilitated by Unum at no additional cost to the Unum customer. Unum is not the provider of the services but can withdraw or change the services at any time. The services are entirely separate from any insurance policy provided by Unum and are subject to the terms and conditions of the relevant third-party specialists. There is no additional cost or increase in premium as a result of Unum making this benefit available.

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Registered Group Life 

Our Registered Group Life product is written under trust and provides a tax-free lump sum within HM Revenue and Customs (HMRC) regulations for a registered occupational pension scheme.

People insured under the policy can have different levels of benefit (e.g.: managers could have 4 x salary, junior staff could have 2 x salary).

Employers can access our Registered Group Life Master Trust at no additional cost.

Excepted Group Life 

Excepted Group Life Insurance provides tax-free benefits and is sometimes used for high earners.

Most Excepted arrangements are run alongside a Registered Group Life scheme (although they don’t need to be) and benefit from the same unit rate and non-medical limits. However, a separate trust is required.

All people insured under the policy must have the same level of benefit (e.g.: 4 x salary) so multiple policies are needed for different benefit levels.

Employers have access to our Excepted Group Life Master Trust at no additional cost.

Further information

We have a dedicated team of Business Development Consultants to support Paradigm members across the country with building and developing their Employee Benefits portfolio.

Our Consultants have a wealth of experience to help support Paradigm members with joint client meetings, data driven market insight, tailored marketing/pitching materials and general conversations about products and services.

Please email [email protected] for any questions or to be put in touch with your local Unum Consultant.

Unum is not authorised to give advice. The material contained in this page applies only to Unum and its products. Whilst we have taken all reasonable steps to ensure that the information within this page is accurate and up to date, we cannot accept liability for any error or omissions. Terms and conditions apply.

Unum Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.